Tag Archives: Hospice

Long-Term Care insurance (LTC) is a protection product sold in the U.S., the U.K. and Canada. Simply put, LTC covers health costs that employer health insurance, private health insurance, hospital insurance and health costs that Medicare does not cover. What are these health costs addressed only by LTC insurance?

Home healthcare

Assisted living

Adult daycare

Respite care

Nursing home care

Hospice care

LTC insurance has been around for quite awhile. Why is it being talked about so much right now?

People are living longer lives

Families are living farther apart

Health care costs are dramatically rising

Is Long Term Care primarily for the elderly? The facts tell a different story. 40% of those receiving long-term care today are between the ages of 18 and 64. But LTC is also for those over the age of 65. In fact, studies show that 60 percent of individuals over age 65 will require at least some form of long-term care services during their lifetimes.

But the thing about Long Term Care insurance is that it must be purchased BEFORE it is needed. That’s because, once you have a condition that requires long-term care, you will no longer qualify for coverage.

It’s confusing, in a way, to plan ahead. How do you know what you’ll need? That’s where I come into the picture. With 25 years of experience, I’m uniquely positioned to help you figure that out.